--- title: "From €246/mo – health vs long-term care insurance Germany" description: "Krankenversicherung vs Pflegeversicherung for retirees in Germany: what each covers, who pays, and why Care Expatriate from €246/mo (61–74) is acute-care only." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": 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care insurance — short differences for retirees in Germany", "description": "Krankenversicherung vs Pflegeversicherung for retirees in Germany: what each covers, who pays, and why Care Expatriate from €246/mo (61–74) is acute-care only.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-01", "dateModified": "2026-09-10", "mainEntityOfPage": { "@type": "WebPage", "@id": 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"https://en.wikipedia.org/wiki/Schengen_Area" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Guide to Health Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Foreign Retirees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/" }, { "@type": "ListItem", "position": 4, "name": "Care Need vs. Long-Term Care in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/care-need-health-insurance-vs-care-insurance-differences-short-explained-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Family visit or longer stay in 3 steps", "description": "Options for short visits or longer family stays up to entry age 74.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your plan", "text": "Care Economy for visits up to 2 years · Care Expatriate for longer stays or family-reunification scenarios up to 5 years." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter passport, travel/stay and visa or residence details online. Additional information may be required depending on the plan." }, { "@type": "HowToStep", "position": 3, "name": "Receive your proof", "text": "Receive insurance proof after successful application and submit it with your visa or residence documents." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "What's the difference between Krankenversicherung and Pflegeversicherung in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Krankenversicherung (§ 27 SGB V) covers acute medical care — doctors, hospital, medication. Pflegeversicherung (§ 14 SGB XI) pays Pflegegrad 1–5 benefits for long-term care, from €131 to €2,200/month. They are legally separate contracts. Care Expatriate from €246/month (age 61–74) covers only medical, never Pflegegrad." } }, { "@type": "Question", "name": "Does Care Expatriate include German long-term care benefits?", "acceptedAnswer": { "@type": "Answer", "text": "No — incoming tariffs (Care Expatriate, Care Economy, Care Visa Protect) cover only acute medical treatment under § 5 AufenthG. Pflegegrad 1–5 cash and care-in-kind benefits (€131–€2,200/month) come only via SGB XI Pflegeversicherung, which non-GKV retirees typically cannot join." } }, { "@type": "Question", "name": "Can foreign retirees join the German Pflegeversicherung separately?", "acceptedAnswer": { "@type": "Answer", "text": "Only as an add-on to GKV under § 20 SGB XI, or through private PKV Pflegepflichtversicherung. Retirees on Care Expatriate (€246–432/month age 61–74) are outside the SGB XI system — long-term care costs must be paid privately (€2,000–5,000/month for a nursing home)." } }, { "@type": "Question", "name": "Is Pflegegrad recognised by the Ausländerbehörde for the residence permit?", "acceptedAnswer": { "@type": "Answer", "text": "No — § 5 AufenthG only checks acute medical cover — Care Expatriate PDF from €246/month is sufficient. Pflegegrad is a benefit category from the Pflegekasse, not an insurance proof; it does not replace medical cover for the residence-permit file." } }, { "@type": "Question", "name": "What happens if a foreign retiree needs long-term care on Care Expatriate?", "acceptedAnswer": { "@type": "Answer", "text": "The medical costs of triggering events (stroke, fall) are covered up to the tariff limit; ongoing Pflege (home help, nursing home) is private out-of-pocket at €2,000–5,000/month. Foreigners planning long-term stay usually target GKV/KVdR via § 5 SGB V 9/10-rule for Pflege coverage." } }, { "@type": "Question", "name": "What is the difference between health insurance and long-term care insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Health insurance (Krankenversicherung) covers medical treatment, hospital stays and medication. Long-term care insurance (Pflegeversicherung) covers nursing care when you can no longer manage daily activities independently. Both are mandatory in Germany. The Care Expatriate covers acute medical needs but not long-term care." } }, { "@type": "Question", "name": "Do foreign retirees need nursing care insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes – if you have permanent residence in Germany and are enrolled in the GKV, nursing care insurance is included automatically. PKV members must arrange private nursing care insurance separately. Incoming insurance does not include it." } }, { "@type": "Question", "name": "How much does a nursing home cost in Germany without insurance?", "acceptedAnswer": { "@type": "Answer", "text": "A nursing home in Germany costs approximately €2,500–4,500 per month. Even with nursing care insurance, the out-of-pocket share is around €2,000–2,500/month. For acute medical coverage during the transition period, Care Expatriate starts from 58 €/month." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What's the difference between Krankenversicherung and Pflegeversicherung in Germany?", "text": "What's the difference between Krankenversicherung and Pflegeversicherung in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Krankenversicherung (§ 27 SGB V) covers acute medical care — doctors, hospital, medication. Pflegeversicherung (§ 14 SGB XI) pays Pflegegrad 1–5 benefits for long-term care, from €131 to €2,200/month. They are legally separate contracts. Care Expatriate from €246/month (age 61–74) covers only medical, never Pflegegrad.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/care-need-health-insurance-vs-care-insurance-differences-short-explained-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does Care Expatriate include German long-term care benefits?", "text": "Does Care Expatriate include German long-term care benefits?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — incoming tariffs (Care Expatriate, Care Economy, Care Visa Protect) cover only acute medical treatment under § 5 AufenthG. Pflegegrad 1–5 cash and care-in-kind benefits (€131–€2,200/month) come only via SGB XI Pflegeversicherung, which non-GKV retirees typically cannot join.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/care-need-health-insurance-vs-care-insurance-differences-short-explained-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can foreign retirees join the German Pflegeversicherung separately?", "text": "Can foreign retirees join the German Pflegeversicherung separately?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Only as an add-on to GKV under § 20 SGB XI, or through private PKV Pflegepflichtversicherung. Retirees on Care Expatriate (€246–432/month age 61–74) are outside the SGB XI system — long-term care costs must be paid privately (€2,000–5,000/month for a nursing home).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/care-need-health-insurance-vs-care-insurance-differences-short-explained-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is Pflegegrad recognised by the Ausländerbehörde for the residence permit?", "text": "Is Pflegegrad recognised by the Ausländerbehörde for the residence permit?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — § 5 AufenthG only checks acute medical cover — Care Expatriate PDF from €246/month is sufficient. Pflegegrad is a benefit category from the Pflegekasse, not an insurance proof; it does not replace medical cover for the residence-permit file.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/care-need-health-insurance-vs-care-insurance-differences-short-explained-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens if a foreign retiree needs long-term care on Care Expatriate?", "text": "What happens if a foreign retiree needs long-term care on Care Expatriate?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The medical costs of triggering events (stroke, fall) are covered up to the tariff limit; ongoing Pflege (home help, nursing home) is private out-of-pocket at €2,000–5,000/month. Foreigners planning long-term stay usually target GKV/KVdR via § 5 SGB V 9/10-rule for Pflege coverage.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/care-need-health-insurance-vs-care-insurance-differences-short-explained-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the difference between health insurance and long-term care insurance in Germany?", "text": "What is the difference between health insurance and long-term care insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Health insurance (Krankenversicherung) covers medical treatment, hospital stays and medication. Long-term care insurance (Pflegeversicherung) covers nursing care when you can no longer manage daily activities independently. Both are mandatory in Germany. The Care Expatriate covers acute medical needs but not long-term care.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/care-need-health-insurance-vs-care-insurance-differences-short-explained-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do foreign retirees need nursing care insurance in Germany?", "text": "Do foreign retirees need nursing care insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes – if you have permanent residence in Germany and are enrolled in the GKV, nursing care insurance is included automatically. PKV members must arrange private nursing care insurance separately. Incoming insurance does not include it.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/care-need-health-insurance-vs-care-insurance-differences-short-explained-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does a nursing home cost in Germany without insurance?", "text": "How much does a nursing home cost in Germany without insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "A nursing home in Germany costs approximately €2,500–4,500 per month. Even with nursing care insurance, the out-of-pocket share is around €2,000–2,500/month. For acute medical coverage during the transition period, Care Expatriate starts from 58 €/month.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/care-need-health-insurance-vs-care-insurance-differences-short-explained-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care Expatriate — recognised acute-medical lane (Pflegegrad self-funded) (up to 5 years) from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Foreign Retirees in Germany](/en/guide-health-insurance-germany/health-insurance-retirees-germany/) 4. Care Need vs. Long-Term Care in Germany Recognised Incoming products (Care Expatriate, Care Economy) cover acute medical only under § 5 AufenthG — they do NOT pay German Pflegegrad 1–5 benefits. Pflegeversicherung is a separate German social insurance (SGB XI) tied to GKV/SPV or substitutive PKV+PPV. # Care need: health insurance vs long-term care insurance — short differences for retirees in Germany Entry age 41–60: from €68/month Entry age 61–74: from €246/month 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Foreign retiree in Germany — health insurance (§ 27 SGB V) vs long-term care insurance (SGB XI) compared, recognised Incoming lane Care Expatriate](/assets/krankenversicherung-auslaendische-rentner-deutschland-B5fD_4wQ.jpg) - [Acute-medical recognised lane (no Pflegegrad): Care Expatriate from €68/mo (41–60) · €246/mo (61–74)](/en/insurance-plans/care-expatriate/overview/) (§ 5 AufenthG · up to 5 years per contract · bilingual PDF) - [Bridge product (no Pflegegrad): Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over)](/en/insurance-plans/care-economy/overview/) (with deductible · up to 2 years · § 5 AufenthG) - [For Pflegegrad benefits: GKV + SPV via KVdR (§ 5 SGB V 9/10) or EU Form S1 (EU Reg. 883/2004)](/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/) (rarely open to non-EU retirees) KV ≠ PV two laws § 27 SGB V vs SGB XI Pflegegrad 1–5 SPV/PPV only The three things foreign retirees in Germany typically confuse about health vs long-term care insurance : 1. 1 **They are two separate insurances:** Krankenversicherung pays doctors, hospital, medication, rehab (§ 27 SGB V). Pflegeversicherung pays Pflegegrad 1–5 cash + care-in-kind when daily activities can no longer be done independently (§ 14 SGB XI). One does NOT include the other — and the residence permit only checks for Krankenversicherung. 2. 2 **Recognised Incoming = acute medical only:** [Care Expatriate from €68/month (41–60) · from €246/month (61–74)](/en/insurance-plans/care-expatriate/overview/) is accepted under § 5 AufenthG for the residence permit and covers doctors, hospital, medication, surgery, repatriation. It does NOT pay Pflegegrad benefits and is NOT a substitute for German Pflegeversicherung. 3. 3 **Pflegegrad benefits = GKV+SPV or PKV+PPV only:** Cash and care-in-kind under SGB XI are paid only via Soziale Pflegeversicherung (tied to GKV) or private Pflegepflichtversicherung (tied to substitutive PKV). For non-EU retirees who fail KVdR (§ 5 SGB V 9/10), long-term care risk is carried personally while on an Incoming contract. Unsure which lane applies to your retirement situation? [30-second tariff finder →](/en/tariffinder-germany/) Inside: the 10 differences between Krankenversicherung and Pflegeversicherung that retirees confuse most · why Care Expatriate does not pay Pflegegrad benefits — and what that means in practice · the realistic route for non-EU retirees to access German Pflegeversicherung benefits Sources: § 27 SGB V (medical benefits) · § 5 SGB V (KVdR 9/10 rule) · §§ 14, 15, 18 SGB XI (Pflegegrad / NBA) · § 20 SGB XI (Soziale Pflegeversicherung) · § 23 SGB XI (private Pflegepflichtversicherung) · § 5 AufenthG · EU Reg. 883/2004 (Form S1) · BMG-Leistungsübersicht Pflegeversicherung 2026 · HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB Senior Stay Coverage Options for visitors and long-stay seniors up to entry age 74 Visa & Residence Proof Proof for embassy, consulate or residence documents Online Application Receive confirmation after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 10, 2026** Sources§ 27 SGB V · § 5 SGB V (KVdR 9/10) · §§ 14, 20, 23 SGB XI · § 5 AufenthG · EU Reg. 883/2004 · BMG-Leistungsübersicht Pflegeversicherung 2026 · HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB · DKG-Krankenhausstatistik 2024 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Need a recognised acute-medical lane for the residence permit (knowing Pflegegrad benefits stay outside)? Care Expatriate from €68/mo (41–60) · €246/mo (61–74) is the standard non-EU retiree lane under § 5 AufenthG. [Care Expatriate (acute medical, ≤ 5 years per contract) from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (bridge, ≤ 2 years) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - In Germany, health insurance (Krankenversicherung — § 27 SGB V: doctors, hospital, medication, rehab) and long-term care insurance (Pflegeversicherung — SGB XI: Pflegegrad 1–5 cash + care-in-kind benefits when daily activities can no longer be done independently) are TWO legally separate insurances. Whoever holds GKV automatically also pays into Soziale Pflegeversicherung (SPV, § 20 SGB XI); whoever holds substitutive private health insurance (PKV) must hold a private Pflegepflichtversicherung in parallel (§ 23 SGB XI). - Recognised Incoming products for foreigners — Care Expatriate from €68/month (entry age 41–60) · €246/month (entry age 61–74), Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over) — cover acute medical care under § 5 AufenthG. They do NOT pay Pflegegrad 1–5 benefits and are NOT a substitute for German Pflegeversicherung. They are the recognised lane to keep the residence permit valid; long-term care needs are then self-funded unless GKV/SPV admission is later achieved (e.g. through KVdR under the 9/10 rule, § 5 SGB V). - Practical decision for foreign retirees: if KVdR (§ 5 Abs. 1 Nr. 11 SGB V) is open, GKV + SPV cover both lanes together. If KVdR is closed (the typical non-EU case) and substitutive German PKV is unavailable or unaffordable, the recognised Incoming lane is Care Expatriate up to 5 years per contract; long-term care risk is then carried personally and should be planned with own savings or family support. Key facts at a glance Reviewed September 10, 2026 - **Two laws, two pots: § 27 SGB V vs SGB XI:** Krankenversicherung is governed by SGB V and pays acute medical benefits. Pflegeversicherung is governed by SGB XI and pays Pflegegrad 1–5 benefits. The two are legally separate; the residence permit checks only for valid Krankenversicherung under § 5 AufenthG. (Source: § 27 SGB V · §§ 14, 15 SGB XI · § 5 AufenthG). - **Pflegegrad benefits are paid by SPV/PPV — never by Incoming products:** Soziale Pflegeversicherung (tied to GKV) and private Pflegepflichtversicherung (tied to substitutive PKV) are the only sources of Pflegegrad cash + care-in-kind. Care Expatriate from €68/mo (41–60) · €246/mo (61–74) covers acute medical only and does NOT include Pflegegrad benefits. (Source: §§ 20, 23 SGB XI · BMG-Leistungsübersicht 2026 · HanseMerkur Care Expatriate AVB). - **Long-term care cost without Pflegeversicherung in Germany:** A nursing home stay typically runs €3,000–€5,000+ per month; outpatient Pflegedienst care can reach four-digit monthly amounts. Without SPV/PPV the cost is paid out-of-pocket. For non-EU retirees who fail KVdR (§ 5 SGB V 9/10), the lane is Care Expatriate for the medical side plus a personal financial plan for the care side. (Source: Statistisches Bundesamt · Pflegestatistik 2024 · BMG). ## The 10 differences between Krankenversicherung and Pflegeversicherung retirees confuse most **Quick answer:** "What is the difference between Krankenversicherung and Pflegeversicherung in Germany?" — Krankenversicherung (SGB V) covers acute medical care: doctors, hospital, medication, rehab. Pflegeversicherung (SGB XI) covers Pflegegrad 1–5 cash and care-in-kind benefits when daily activities can no longer be done independently. The two are legally separate; only Krankenversicherung is required for the residence permit. Recognised Incoming products (Care Expatriate from €68/mo · €246/mo) cover acute medical only — never Pflegegrad benefits. - **1\. Krankenversicherung (KV) — § 27 SGB V** Pays for doctors, hospital stays, medication, rehab, surgery and most acute medical care. Mandatory under § 5 AufenthG for any residence permit. Recognised Incoming lane: Care Expatriate from €68/month (41–60) · €246/month (61–74). - **2\. Pflegeversicherung (PV) — SGB XI** Pays Pflegegrad 1–5 cash benefits + care-in-kind when daily activities can no longer be done independently (§ 14 SGB XI). Legally separate from KV; cannot be replaced by an Incoming product. - **3\. Soziale Pflegeversicherung (SPV) — § 20 SGB XI** Statutory pillar: every GKV member pays into SPV automatically. Contribution rate is set by the BMG and includes a surcharge for childless members from age 23 (current rate via BMG). Pflegegrad benefits paid in full from the SPV pool. - **4\. Private Pflegepflichtversicherung (PPV) — § 23 SGB XI** Mandatory private parallel for substitutive PKV holders. Premiums age-based; benefits at least equal to SPV. Required to hold the German residence permit alongside substitutive PKV. - **5\. Pflegegrad 1–5 — § 14 SGB XI (NBA assessment)** Determined by the MDK (GKV) or Medicproof (PKV) using the Neues Begutachtungsassessment (NBA). Grade 1 (mild) → Grade 5 (most severe). Cash (Pflegegeld) and care-in-kind (Pflegesachleistungen) amounts are set by the BMG and updated each year — see the official Leistungsübersicht. Only paid by SPV/PPV — never by Care Expatriate. - **6\. Care Expatriate — what it covers** Acute medical care up to 5 years per contract: outpatient, inpatient, medication, surgery, repatriation. Recognised under § 5 AufenthG. From €68/month (entry age 41–60) · €246/month (entry age 61–74). Does NOT pay Pflegegrad benefits. - **7\. Care Economy — what it covers** Acute medical care up to 2 years (with deductible). Per-day pricing from €1.00/day (up to age 64) · €2.95/day (age 65 and over), minimum €10. Recognised under § 5 AufenthG as a bridge product. Does NOT pay Pflegegrad benefits. - **8\. GKV + SPV (combined) — typical retiree route** If KVdR is open under the 9/10 rule (§ 5 Abs. 1 Nr. 11 SGB V), GKV pays acute medical and SPV pays Pflegegrad benefits together. The route most German pensioners use; for non-EU retirees the 9/10 rule is rarely met. - **9\. EU Form S1 — EU Reg. 883/2004** EU/EEA/Swiss pensioners with a pension from the home country may register Form S1 with a German GKV and be treated like a German resident — including SPV access. Non-EU retirees cannot use this route. - **10\. Long-term care risk while on an Incoming contract** Pflegegrad benefits are NOT covered. The risk is carried personally: home care via family or a private Pflegedienst is paid out-of-pocket; nursing home costs in Germany typically run €3,000–€5,000+ per month. Plan with savings, family support, or aim for GKV/SPV admission. ## Three lanes that combine health and long-term care insurance — GKV+SPV, PKV+PPV, Care Expatriate (acute only) Lane 1 / 3 ### GKV + SPV (Soziale Pflegeversicherung) — combined statutory lane If KVdR opens under the 9/10 rule (§ 5 Abs. 1 Nr. 11 SGB V), the retiree pays one combined contribution and is covered for both lanes: doctors/hospital/medication via GKV (§ 27 SGB V) AND Pflegegrad 1–5 cash + care-in-kind via SPV (§ 20 SGB XI). The most complete lane — but rarely open to non-EU retirees who never paid into German GKV before. **Need:** GKV + SPV · KVdR (§ 5 SGB V 9/10) or EU Form S1 [See: when GKV vs private applies → →](/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/) Lane 2 / 3 ### Substitutive PKV + private Pflegepflichtversicherung (PPV) Holders of substitutive German PKV must hold private Pflegepflichtversicherung (§ 23 SGB XI) in parallel with at least the SPV benefit level. Both contracts together cover the same legal scope as GKV+SPV, but acceptance is age-based and risk-rated; for retirees over 55–60 entry to substitutive PKV is usually closed or unaffordable. **Need:** Substitutive PKV (often closed for retirees) + PPV [See: typical retiree mistakes → →](/en/guide-health-insurance-germany/health-insurance-retirees-germany/common-mistakes-retirees-germany-health-insurance-proofs-deadlines-overview-germany/) Lane 3 / 3 ### Care Expatriate (acute medical only) — Pflegegrad self-funded Recognised Incoming lane for retirees who fail KVdR and cannot enter substitutive PKV: Care Expatriate from €68/month (entry age 41–60) and €246/month (entry age 61–74), accepted under § 5 AufenthG for up to 5 years per contract. Covers acute medical only — long-term care risk (Pflegegrad benefits) is then carried personally; plan with savings or family support. **Need:** Care Expatriate · ≤ 5 years · § 5 AufenthG · acute medical only [Care Expatriate from €68/month (41–60) · €246/month (61–74) →](/en/insurance-plans/care-expatriate/overview/) ## Avoid the mistakes that can delay your application ### Senior prices can surprise you Age matters. For seniors, rates can be much higher, so show age-based pricing before the visitor applies. ### Short visit or long stay? Care Visa Protect or Care Economy may fit visits; Care Expatriate may fit selected longer family-stay cases. ### Entry age limit matters Many options have an entry-age limit. Check eligibility before preparing visa or residence documents. ### Coverage gaps create stress Choose the coverage period carefully if travel dates, family visit length or residence timing are uncertain. ## Confusing health and long-term care insurance — €830/day hospital risk + €3,000–€5,000/mo nursing-home risk ## One wrong insurance choice can cost you money, time and your application deadline A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start. 🏥 €500–€1,500 Emergency doctor visit One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added. 🏨 €2,000–€10,000+ Hospital treatment If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros. 👴 Age changes everything Senior pricing and eligibility matter Older parents or seniors may face higher prices and entry-age limits, so the wrong choice can create surprises before applying. - Wrong or incomplete proof can delay your visa, enrollment or authority process. - Cheap home-country policies may miss the exact coverage, dates or repatriation wording required. - The cheapest policy can become expensive if it is the wrong proof for your situation. Before you apply, check: coverage amount, validity dates, destination area and repatriation cover. ## Residence permit due and KVdR closed? Care Expatriate is the recognised acute-medical lane for ages 0–74 — Pflegegrad stays outside, plan it separately ## Why act before family visit or residence paperwork Older visitors often face age-based pricing and eligibility limits. Waiting too long can make the right option harder to choose. 👴 Age affects price Senior rates can be much higher, so check pricing before preparing documents. 📄 Entry-age limits matter Many incoming insurance options are only available up to a specific entry age. ⚡ Short visit or long stay? Care Visa Protect, Care Economy and Care Expatriate serve different stay lengths. ✅ Avoid coverage gaps Choose the coverage period carefully if family visit dates or residence timing are uncertain. ## From contract to Ausländerbehörde-ready certificate — 3 steps for the recognised acute-medical lane 10 minutes online. No medical exam required for standard tier. Bilingual PDF certificate (German + English) by email within minutes — accepted by the Ausländerbehörde under § 5 AufenthG. Pflegegrad benefits stay separate (SPV/PPV only). ## Family visit or longer stay in 3 steps Options for short visits or longer family stays up to entry age 74. 1. 1 🎯 Choose your plan Care Economy for visits up to 2 years · Care Expatriate for longer stays or family-reunification scenarios up to 5 years. 2. 2 📝 Complete the application Enter passport, travel/stay and visa or residence details online. Additional information may be required depending on the plan. 3. 3 ✅ Receive your proof Receive insurance proof after successful application and submit it with your visa or residence documents. ## What retirees say about Care Expatriate as the recognised acute-medical lane for residence permits in Germany 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended tariffs for foreign retirees — Care Expatriate (long-term acute medical), Care Economy (short bridge). Pflegegrad benefits remain outside both — plan SPV/PPV separately if accessible. 🎯 Recognised acute-medical · § 5 AufenthG · ≤ 5 years ### Care Expatriate from €68/month (41–60) · from €246/month (61–74) — acute medical only, Pflegegrad NOT included For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74 - Proof of insurance for visas & immigration authorities quickly available (PDF) - Coverage up to 5 years – less renewal stress - Doctor, hospital, prescription medication & dental treatment coverage - For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors - More planning security for residence permits, projects or jobs - 24/7 assistance + digital insurance card - Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74 - Coverage term: 3 months to 5 years · entry age 0–74 - Reputable insurance carrier Why Care Expatriate? For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74. Why a 5-year coverage term? More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €58 / month · coverage up to 5 years [Care Expatriate – Quick Overview](/en/insurance-plans/care-expatriate/plan-details/) [Apply online now](/en/insurance-plans/care-expatriate/apply/) → Complete the application, receive your instant PDF, submit your proof 🛟 Short bridge · ≤ 2 years · Pflegegrad NOT included ### Care Economy from only €30.00 / 30 days (coverage up to 2 years) For guests, tourists, family visits, job seekers & the German Opportunity Card - Proof of insurance for visas & immigration authorities within minutes - Affordable coverage from €1.00 per day - Doctor, hospital & dental emergency coverage - Suitable for Schengen visas, the Opportunity Card & family visits - Flexible coverage from 1 day up to 2 years - Coverage in Germany, the EU & the Schengen Area - 24/7 assistance + digital insurance card - Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74 - Coverage term: 1 day to 2 years · entry age 0–74 - Reputable insurance carrier Why Care Economy? For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits. Why a 2-year coverage term? More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €30 / 30 days · up to 2 years possible [Care Economy – Quick Overview](/en/insurance-plans/care-economy/plan-details/) [Apply online now](/en/insurance-plans/care-economy/apply/) → Complete the application, receive your instant PDF, submit your proof Wondering when GKV (with SPV) is open instead? [Retirees in Germany — when statutory vs private](/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/). Want to avoid the typical retiree mistakes around proofs and deadlines? [Common mistakes — retirees in Germany](/en/guide-health-insurance-germany/health-insurance-retirees-germany/common-mistakes-retirees-germany-health-insurance-proofs-deadlines-overview-germany/). For the full overview see the [foreign-retirees hub](/en/guide-health-insurance-germany/health-insurance-retirees-germany/). ## Full price tables — Care Expatriate (long-term acute medical) and Care Economy (short bridge) **Quick answer:** For foreign retirees in Germany, the recognised acute-medical lane under § 5 AufenthG is Care Expatriate from €68/month at entry age 41–60 and €246/month at entry age 61–74 (up to 5 years per contract). Care Economy bridges short stays at €1.00/day for ages 0–64 and €2.95/day for ages 65–74 (up to 2 years). Neither product pays Pflegegrad 1–5 benefits — those are paid only via SPV (tied to GKV) or private Pflegepflichtversicherung (tied to substitutive PKV). ### Long-term acute medical — Care Expatriate (ages 0–74, up to 5 years) Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ### Short bridge — Care Economy (1 day – 2 years) Care Economy Duration Bestseller up to 64 up to 64 Bestseller 65+ 65+ no deductible with deductible no deductible with deductible up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day 91–180 days €1.59/day €1.35/day €4.37/day €3.70/day 181–365 days €2.30/day €1.95/day €5.84/day €4.95/day 366–730 days €2.83/day €2.40/day €9.32/day €7.90/day All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026. [Care Economy — Overview](/en/insurance-plans/care-economy/overview/) [Apply now](/en/insurance-plans/care-economy/overview/) ## FAQ — health insurance vs long-term care insurance for retirees in Germany ## Frequently Asked Questions What's the difference between Krankenversicherung and Pflegeversicherung in Germany? Krankenversicherung (§ 27 SGB V) covers acute medical care — doctors, hospital, medication. Pflegeversicherung (§ 14 SGB XI) pays Pflegegrad 1–5 benefits for long-term care, from €131 to €2,200/month. They are legally separate contracts. Care Expatriate from €246/month (age 61–74) covers only medical, never Pflegegrad. Does Care Expatriate include German long-term care benefits? No — incoming tariffs (Care Expatriate, Care Economy, Care Visa Protect) cover only acute medical treatment under § 5 AufenthG. Pflegegrad 1–5 cash and care-in-kind benefits (€131–€2,200/month) come only via SGB XI Pflegeversicherung, which non-GKV retirees typically cannot join. Can foreign retirees join the German Pflegeversicherung separately? Only as an add-on to GKV under § 20 SGB XI, or through private PKV Pflegepflichtversicherung. Retirees on Care Expatriate (€246–432/month age 61–74) are outside the SGB XI system — long-term care costs must be paid privately (€2,000–5,000/month for a nursing home). Is Pflegegrad recognised by the Ausländerbehörde for the residence permit? No — § 5 AufenthG only checks acute medical cover — Care Expatriate PDF from €246/month is sufficient. Pflegegrad is a benefit category from the Pflegekasse, not an insurance proof; it does not replace medical cover for the residence-permit file. What happens if a foreign retiree needs long-term care on Care Expatriate? The medical costs of triggering events (stroke, fall) are covered up to the tariff limit; ongoing Pflege (home help, nursing home) is private out-of-pocket at €2,000–5,000/month. Foreigners planning long-term stay usually target GKV/KVdR via § 5 SGB V 9/10-rule for Pflege coverage. What is the difference between health insurance and long-term care insurance in Germany? Health insurance (Krankenversicherung) covers medical treatment, hospital stays and medication. Long-term care insurance (Pflegeversicherung) covers nursing care when you can no longer manage daily activities independently. Both are mandatory in Germany. The [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) covers acute medical needs but not long-term care. Do foreign retirees need nursing care insurance in Germany? Yes – if you have permanent residence in Germany and are enrolled in the GKV, nursing care insurance is included automatically. PKV members must arrange private nursing care insurance separately. Incoming insurance does not include it. How much does a nursing home cost in Germany without insurance? A nursing home in Germany costs approximately €2,500–4,500 per month. Even with nursing care insurance, the out-of-pocket share is around €2,000–2,500/month. For acute medical coverage during the transition period, [Care Expatriate starts from 58 €/month](/en/insurance-plans/care-expatriate/overview/). [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: September 10, 2026.